Insure your pets with RSPCA Multi-Pet Insurance

Insure your cats, dogs and rabbits with insurance designed for our beloved pets. With multi-pet insurance from the RSPCA, you’ll be ready to care for all your pets when they need it.

For details about our products, view our product information page. Pet insurance provided by Pinnacle Insurance PLC.

Compare multi-pet insurance

With multi-pet insurance from the RSPCA, you'll be ready to care for all your pets when they need it. You can choose from three lifetime cover levels for cats and dogs and one level of cover for rabbits.

These are individual annual policies for each of your pets. If our pet insurer offers and you accept the renewal terms by agreeing to pay the premiums for each pet, you may claim the benefits covered by each pet for that policy for another year.

   24/7 free virtual vet access

    Pay monthly at no extra cost

    Manage your claims and policy online

Lifetime £1k

£1,000

Vet fee cover

£1,000

Dental cover

2 Million

Third party liability*

£500

Complementary treatment

  • About this plan

    This lifetime policy is available for cats, dogs and rabbits and can cover your pet for up to £1,000 every 12 months. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.

    *Dogs only

Lifetime £4k

£4,000

Vet fee cover

£4,000

Dental cover

2 Million

Third party liability*

£1,000

Complementary treatment

  • About this plan

    This lifetime policy is available for cats, dogs and rabbits and can cover your pet for up to £4,000 every 12 months. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.

    *Dogs only

Lifetime £7k

£7,000

Vet fee cover

£7,000

Dental cover

2 Million

Third party liability*

£1,500

Complementary treatment

  • About this plan

    This lifetime policy is available for cats, dogs and rabbits and can cover your pet for up to £7,000 every 12 months. If you reach the limit in any policy year, you will need to pay for any treatment costs over this amount. If the policy is renewed at the end of each policy year, the limit becomes available again for the next 12 months. Pre-existing conditions are not covered.

    *Dogs only

Please note: you must be able to afford to pay the yearly premiums, which increase at renewal based on your pet's age, claims history and other costs such as enhancements to and inflation costs of veterinary treatments.

Your premiums are likely to go up each year; there is no limit to premium increases and these could be significant to you each year and over the policy's lifetime. If a claim is paid out on your policy, your premium could double at renewal.

Frequently asked questions

  • Are there any breeds of dog you don't insure?

    Yes, RSPCA Pet Insurance does not insure any dog that is required to be registered under the Dangerous Dogs Act 1991 and/or the Dangerous Dogs (Northern Ireland) Order 1991 or the Dogs (Muzzling) Regulations (Northern Ireland) 1991 or any amendments.

    RSPCA Pet Insurance also does not insure any breed of dog listing in the Excluded Breeds detailed in the “General Exclusions" section of their policy document.

    American Bull Dog, American Bully, American Indian Dog, American Pit Bull Terrier, American Staffordshire Terrier, Bandog, Boerboel, Bully Kutta, Canary Dog, Cane Corso, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileros, Fila Brasileiro, Gull Dong, Husky Wolf Hybrid, Irish Staffordshire Blue Bull Terrier, Irish Staffordshire Bull Terrier, Japanese Tosa, Pit Bull Terrier, Saarlooswolfhound, Tosa, Tosa Inu, Wolf Hybrid, Wolfdog.

  • Do I have to keep my pet vaccinated?

    Yes, you need to keep your rabbit's vaccinations up to date in line with your vet's advice. Our pet insurer will not pay a claim resulting from an illness your bunny should have been vaccinated against.

  • If I need to make a claim, can you pay my vet directly?

    Yes, RSPCA Pet Insurance can pay your vet directly if you are happy for them to do so. Before you get treatment, ask your vet if they are willing to complete the claim form and send RSPCA Pet Insurance any supporting information they will need to assess your claim.

RSPCA Trading Ltd is an introducer appointed representative of Pinnacle Insurance plc. Pinnacle Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. RSPCA Pet Insurance is a trading style of and arranged, administered and underwritten by Pinnacle Insurance plc.

RSPCA Trading Ltd and Pinnacle Insurance plc are not part of the same corporate group. The RSPCA name and logo are trademarks of the Royal Society for the Prevention of Cruelty to Animals (RSPCA) and used by Pinnacle Insurance plc under licence from RSPCA Trading Limited, which pays all its taxable profits to the RSPCA. The RSPCA is a registered charity number 219099 helping animals throughout England and Wales.